A Fixed Indexed Annuity that pays a 12% Bonus to all deposits and transfers, (regular or IRA accounts). This Annuity will never lose money and also offers an optional Lifetime Income Rider.

1. Featuring a 12% bonus paid over three years
A fixed annuity offering
index-linked earnings and
downside protection
MARKETTWELVE BONUS INDEX
®

2. When creating a strategy for your financial
future, you have two choices generally:
the long-term growth potential of stocks or
the lower returns of more conservative
alternatives.
Ideally, you want your financial vehicle to
offer the upside potential of stocks, with
none of the downside risk.
MARKETTWELVE BONUS INDEX from EquiTrust Life
Insurance Company®
gives you benefits when
markets are rising, and protection when they’re
fluctuating. Plus, there’s the added benefit of tax
advantages offered by a fixed annuity.
And the bonus isn’t just in the name. EquiTrust will
provide a 12 percent bonus paid over three years.
MARKETTWELVE BONUS INDEX enables you to:
n Lock in S&P 500®1
Index gains
n Avoid losses when the Index declines
When the Index is Up … You’re Up!
When it’s Down … You’re Not!
The MARKETTWELVE BONUS INDEX annuity allows you to share
only in index gains … not the losses. And you benefit from
tax-deferred earnings, withdrawal privileges,2
built-in
guarantees and 12% bonus – all without investing directly
in the stock market.
You may choose among several accounts.The 1-Year Interest
Account earns a fixed interest rate, and a variety of Index
Accounts earn credits based on changes in the S&P 500®
.
On appropriate contract anniversaries, “index credits”are
determined on the Index Accounts and applied to your
contract’s current accumulation value. Index credits are
based on S&P 500®
performance. If the index continues
steady growth, your accumulation value grows. If the S&P
500®
declines, your accumulation value is simply unchanged
from the preceding period’s accumulation value.
At the end of the surrender charge period, you have access
to your contract’s full accumulation value – including
market-index gains – with no surrender charges. However,
by leaving your money in MARKETTWELVE BONUS INDEX
beyond the surrender charge period, you continue to earn
interest and index credits on a tax-deferred basis.
This hypothetical illustration shows the increasing accumulation values during years where the index value has positive
increases, and unchanged accumulation values when the index value declines.The illustration assumes 100% of the initial
premium is allocated to the 1-Year Point-to-Point Cap Index Account, including the 12% bonus paid over three years.
Initial premium $100,000
Initial bonus $6,000
$106,000
Contract Year 1 2 3 4 5 6
Index Change 5% 14% -22% -6% 17% 6% 1.42%
Index Credit Rate 4% 4% 0% 0% 4% 4% 2.65%
(After 4% index cap)
This hypothetical illustration should not be considered representative of current or future performance.The example assumes no surrender or withdrawals.
Current interest rates and index cap rates may change each indexing period. Accumulation Value increases in years 1, 2, and 3 reflect the 2% Accumulation Value
Bonus credited on contract anniversaries. All rates used in this illustration are hypothetical and subject to change. Ask your agent for current rates.
The Impact of Market Fluctuation
Average
Returns
$112,445
$119,281
$121,667 $121,667
$126,534
$131,595

3. You Control Your Money …
Going In and Coming Out
FLEXIBLE PREMIUMS
After making your initial premium payment, you may add
subsequent premiums of $2,000 or more during the first
contract year. Subsequent premiums may be limited to the
amount of the initial premium.There are no fees, loads or
sales charges. Additional premium payments during the
first year are directed to the 1-Year Interest Account until
the first contract anniversary, at which time they can be
reallocated. If you would like all first year premiums to be
allocated similarly, you may authorize the Company to wait
to issue the contract until all specified premiums are
received.You may allocate your premiums among the
following crediting accounts:
FIXED RATE ACCOUNT
n 1-Year Interest Account – A one-year fixed interest rate
is set when your contract is issued.The rate is set
annually, and provides a guaranteed rate that you may
prefer for a portion of your assets. For any subsequent
premiums received during the first contract year,
interest is credited based on the fixed rate declared
at the beginning of the contract year.
INDEX-BASED ACCOUNTS
n 1-Year Point-to-Point Cap Index Account – If the index value
at the end of the contract year is greater than the index
value at the beginning of the contract year, you receive
index credits based on that increase, subject to a
specified cap.The cap is reset annually.
n 1-Year Average Cap Index Account – If the average of the
daily index values for the contract year is greater than
the index value at the beginning of the contract year,
you receive index credits based on that increase,
subject to a specified cap.The cap is reset annually.
n 1-Year Average Participation Index Account – If the average
of the monthly index values for the contract year is
greater than the index value at the beginning of the
contract year, you receive index credits based on that
increase multiplied by the participation rate.The
participation rate is reset annually.
n 1-Year Monthly Cap Index Account – Index crediting for this
account is based on the cumulative sum of capped
monthly S&P 500®
changes over a one-year period. Each
of the monthly gains is subject to a cap, but there is no
floor on monthly declines. Index credits are calculated
on an annual basis and will never be less than zero.The
Monthly Cap is reset annually.
n 2-Year Average Cap Index Account – If the average of the
monthly index values over two contract years is
greater than the index value at the beginning of the
index period, you receive index credits based on that
increase up to a specified cap.The cap is reset every
two years.
BONUS
The 12 percent bonus is added to your contract's
accumulation value over 3 years. 6 percent is added
immediately to all premiums paid, and 2 percent is added
to the accumulation value on each contract anniversary for
three years. Once added, the bonuses are a permanent
part of your accumulation value.You then earn interest and
"index credits" on your premium and the bonuses. If you
surrender your contract, a surrender charge and MVA may
be applied to the full accumulation value, but you don't
lose the bonuses previously added to your accumulation
value.The benefit upon death of the annuity owner is equal
to the full accumulation value which includes any bonuses
credited to that point.
ACCOUNT TRANSFERS
On each contract anniversary, you have the ability to
transfer money among the various accounts offered in
your contract.Transfers out of the 2-Year Average Cap
Account are allowed at the end of each two year period
only. After a transfer, the remaining balance in a given
option, if any, must be at least $2,000.
FREE WITHDRAWALS
You may withdraw up to 10 percent of the accumulation
value each year, after the first contract year, without paying
any charges.2
LUMP-SUM PAYMENT OPTION
Your contract’s cash surrender value is available to you as
a lump sum at any time. Surrender charges are in effect
during the first 14 contract years, are a percentage of the
accumulation value, and decline annually: 20, 20, 19, 19,
18, 17, 16, 14, 12, 10, 8, 6, 4, and 2 percent. In addition,
early surrenders or withdrawals over 10 percent may be
subject to a Market Value Adjustment3
(MVA). After the 14th
contract year, your cash surrender value will equal the full
accumulation value. Ask your agent for more details on
the MVA, or refer to your contract.
EquiTrust Is a Name You Can Trust
When you choose EquiTrust as a financial partner,
you can rest assured your annuity contract is backed
by conservative investment strategies anchored by
a disciplined and diversified management style.
EquiTrust is supported by a history of success,
experience and strength. Guggenheim Partners –
with more than $240 billion in assets under
management – is involved in the management of
the EquiTrust investment portfolio.

4. ET-M12-1100 (7-15) © EquiTrust 2015
ANNUITIZATION OPTIONS
Several annuitization payment options are available, including
payment for life, payment of a designated amount or payment
for a certain period of time.You determine the schedule that
best fits your financial circumstances – a period as short as 10
years, or for as long as the annuitant is alive.Your agent can
help you determine the most appropriate payment option, or
discuss a specific payment schedule you may have in mind.
Other Features
THE VALUE OF TAX DEFERRAL
Currently, all interest income earned on an annuity
accumulates on a tax-deferred basis. No income taxes are
payable until you receive a payment from your contract.
If you are under age 591/2 at the time of withdrawal, an
additional 10 percent IRS penalty may be imposed.Tax
deferral is currently available only to individuals and joint
owners, not to corporations or other non-individuals.4
MINIMUM GUARANTEED CONTRACT VALUE
You are guaranteed to receive no less than 87.5 percent
of your premiums – less any partial withdrawals –
accumulated at the minimum guaranteed contract rate.
This rate is set when the contract is issued and does not
change for the life of the contract. Ask your agent for the
minimum guaranteed rate.
NURSING HOME WAIVER RIDER
For additional peace of mind, your contract includes a Nursing
Home Waiver Rider5
at no extra cost. If you are confined to a
nursing home or hospital for 90 days or more, your contract
accumulation value will be available without surrender
charges or MVA3
beginning in the second contract year and
during your confinement.
BENEFITS UPON DEATH OF OWNER
If the owner of the annuity dies, the full accumulation value
is paid to the beneficiary, without surrender charges or MVA.3
FREE-LOOK PERIOD
After your MARKETTWELVE BONUS INDEX contract is issued,
you have a specified number of days to review it; see your
contract for complete details. If you are not completely
satisfied with the terms, you may return the contract and
receive 100 percent of your premiums paid, minus any
prior withdrawals.
Ask Your Agent
Ask your agent about the variety of options MARKETTWELVE
BONUS INDEX offers for the stages of your life, or refer to
your contract.
This is a summary only.The MARKETTWELVE BONUS INDEX annu-
ity may not be available in all states. In those states where it is
available, certain provisions may vary or may not be available.
Prior to purchasing this contract, contact your agent or the
company for complete contract provisions and details.
EquiTrust Life Insurance Company
7100 Westown Pkwy Suite 200
West Des Moines, IA 50266-2521
877-249-3694
1 The S&P 500®
Index is a product of S&P Dow Jones Indices, LLC.
(“S&P DJI”) and has been licensed for use by EquiTrust Life
Insurance Company. S&P®
and S&P 500®
are registered trademarks
of Standard & Poor’s Financial Services, LLC. (“S&P”).These
trademarks have been licensed for use by S&P DJI and sublicensed
for certain purposes by EquiTrust Life Insurance Company.
MarketTwelve Bonus Index Annuity is not sponsored, endorsed,
sold or promoted by S&P DJI, S&P, or any of their respective
affiliates or third party licensors, and none of such parties make any
representation regarding the advisability of purchasing
MarketTwelve Bonus Index Annuity nor do they have any liability
for any errors, omissions, or interruptions of the S&P 500.®
2 Surrender of the contract may be subject to surrender charges or
market value adjustment. Withdrawals before age 591
/2 may result in
a 10 percent IRS penalty tax. Withdrawals do not participate in index
growth. In the event of a full surrender, charges will apply to any
penalty-free amounts taken during the same contractyear.
3 Market Value Adjustment may not apply in all states.
4 Neither the company nor its agents give tax, accounting or legal
advice. Please consult your professional adviser in these areas.
5 Nursing Home Waiver Rider is not available in Massachusetts.
The guarantees expressed in this brochure are based on the claims-
paying ability of EquiTrust Life Insurance Company.
Contract issued on Contract Form Series ET-MPP-2000(02-05) with
Rider ET-AVBR(06-09) and Rider ET-IMVA(07-09). Group Certificates
issued on Form series ET-MPP-2000C(01-07) with Rider ET-AVBRC(06-
09). May not be available in all states.
This brochure briefly highlights EquiTrust Life Insurance Company’s
MarketTwelve Bonus Index annuity contract and its benefits. For costs
and complete details of coverage, including any exclusions, reductions
or limitations, and the terms under which the contract may be continued
in force, contact your EquiTrust agent.
IRAs/qualified plans are already tax deferred; consider other annuity
features.
ANNUITY AND INSURANCE PRODUCTS ARE NOT DEPOSITS OF NOR ARE THEY
GUARANTEED BY ANY BANK. THEY ARE NOT INSURED BY THE FEDERAL
DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY OTHER AGENCY OF THE
FEDERAL GOVERNMENT. CERTAIN PRODUCTS MAY LOSE VALUE.